Advice On Choosing Your First Car

Often the wrong factors go into choosing a car when you are a young person. The main concern when we are young is usually centered around what we look like when we are driving the car to school, on errands and when we are out with our friends. On top of looking the part, we usually want a car that is much too fast for our own good when we are young. The bottom line is that if we could just ditch our parents on the way to the car dealership, and they still pay for the car, we would. But looking the part is actually a very small part of what should be happening when the search for the car begins.

Due to the high cost of insurance, the car should be carefully selected for its low amount of horsepower and low amount of expense in repairing it in the event of an accident. Where the driver will more than likely be looking for a cool car during this step, parents will be looking for which car gets the lowest quote on insurance inquiries.

In considering which type of car is best, think about what the insurance company will think when considering how much risk they are taking on when you approach them with your new shiny car. Keep in mind the insurance company will be repairing that shiny new car when the accidents start happening. They will be looking closely at what things like the grill of the car and a new bumper of the car will cost, when you are in an accident and some of the most important parts of the car get ripped clean off. A common mistake by drivers is also misunderstanding how much has to be fixed on a car which is not related to the accident site. For example, when the front left fender gets dented, don’t think that that the insurance company will only be replacing that front fender. They will also be replacing that front headlight, possibly part of the left hand door and then maybe the hood. There is also a great chance that when they replace the front left fender, they will have to completely repaint the entire car so it will match the rest of the dented fender.

In general, to car insurance companies, fast cars mean high premiums. So, a wise saying to keep in your head when looking at a possible car is, bigger and shinier always translates into more and more expensive to repair that car. An insurance company will always have a different way of looking at insuring a car than the young person who brings in that car. Insurance companies are in the business of insuring cars and making money each month, but they are also in the business of minimizing risk, which sometimes has a trade off with taking on that brand new shiny car.

Amount of risk compared with how much they will make each month in the form of a premium is the comparison game the car insurance company is constantly playing. Since young people are more likely to have an accident when they are within their first two years of driving, insurance companies are aware and make adjustments to policy costs to reflect that knowledge. They are also quite aware of the fact that young people will make decisions which are not as wise as their older brothers, sisters or parents. Their decision making ability is still very much in its infancy, and it shows.

Use caution when helping to select that first car which will more than likely be with that young driver for some time. Many parents fall into the mistake of thinking an older car will be best because it is battle tested and does not require a lot to have it repaired. This is usually not the case at all and ends up burning parents in the long run. Older cars might be battle tested for durability, but they are quite likely to have problems related to the maintenance record, and usually have trouble fast after acquiring them.

Parents and first time drivers alike can make a sizeable difference when looking for a car, by checking with their peers who are going through the same thing, or have recently gone through the same thing. They typically will have a general idea of which cars to stay away from, and process of elimination will be just as helpful as them giving you a list of which cars to look at. Take your time and listen to your kids, even though the two of you might have very different ideas of what type of car is best.

When the economy is faced with numerous challenges, the decision of which car is best becomes an even more important one. Be patient and let the experience be an enjoyable one for both you and your first driving child. Again, do not purchase the first car you come to and by all means listen to the feedback of your child. They have valuable insight to offer. As much as you will disagree, the ultimate goal here is to select a car which will deliver the first time driver safely from point A to point B. And, in the process if they are accused of looking cool while doing it, both of you got what you wanted.